Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$327,171Cash toward the purchase price.
Closing costs + prepaids$13,852Not just lender fees.
Before credits & paid funds$341,023The complete starting cash picture.
Estimated remaining funds due at closing
$341,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,171.49
Your down payment$327,171.49
Closing costs + prepaids$13,851.78
Total buyer cash needed$341,023.27
Remaining funds due$341,023.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.87
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,656.50
Prepaid interest, first (26 days)$420.41
Fees + prepaids$13,851.78
Your down payment is the seller’s equity. You take over the $202,816 balance, so the rest of the $529,987 price is paid at closing. A second mortgage can cover part of it. $341,023.27 is due at closing. Uses and sources reconcile at $543,838.78 each. Not a Closing Disclosure.